Retirement plan

SW/QC EMPLOYEE RETIREMENT PLAN

Name: SHELTER WEST CONSTRUCTION, INC. - SW/QC EMPLOYEE RETIREMENT PLAN (2024) Form 5500
Creator: SHELTER WEST CONSTRUCTION, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SW/QC EMPLOYEE RETIREMENT PLAN, SHELTER WEST CONSTRUCTION, INC.

SHELTER WEST CONSTRUCTION, INC.EIN 81-0457292Plan #001PY 2024

2800 S RESERVE ST - MISSOULA, MT 59801406-728-0080LinkedIn1-10 employeesconstruction

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$12M

+16.1% from 2023

Total participants

143

-5.9% from 2023

Average account balance

$86,172

+1.0% from 2023

Annual return

14.60%

-5.07 pp from 2023

Benchmarks

See 3,444 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort3,444 peers

Snapshot2024

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$11.98M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$86K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

139

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

96.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$814K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.60%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$52

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
KCOE ISOM, LLP2 years Filed as: KCOE ISOM LLP Service code 10 PO BOX 875125 · KANSAS CITY, MO 64187	Accounting	$15,500
BIG SKY RETIREMENT INC3 years Filed as: BIG SKY RETIREMENT INC. Service code 13 · EIN 82-4211528 900 N MONTANA AVE STE A1 · HELENA, MT 59601	Contract Administrator	$6,896
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618	Recordkeeping Fees	$1,038

Plan features & details

Pension benefit codes2E2G2J2K2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$7K

$72 / participant

Contract admin$7K100.0%

% of EOY assets

0.060%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: KCOE ISOM, LLP
Auditor EIN: 942222122
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$86,172

$80,781+6.7%

$102,437-15.9%

$74,478+15.7%

Participation rate

96.0%

65.7%+30.4pp

74.5%+21.5pp

67.2%+28.8pp

Annual return

14.60%

27.58%-13.0pp

24.95%-10.4pp

1370.56%-1356.0pp

Employer contribution / active EE

$2,868

$3,160-9.2%

$3,871-25.9%

$2,626+9.2%

Participant deferral / active EE

$5,191

$3,862+34.4%

$5,060+2.6%

$4,350+19.3%

Admin fee / account holder

$52

$2,372-97.8%

$8,388-99.4%

$1,946-97.3%

Provider

Service type

Compensation

KCOE ISOM, LLP2 years

Filed as: KCOE ISOM LLP

Service code 10

PO BOX 875125 · KANSAS CITY, MO 64187

Accounting

$15,500

BIG SKY RETIREMENT INC3 years

Filed as: BIG SKY RETIREMENT INC.

Service code 13 · EIN 82-4211528

900 N MONTANA AVE STE A1 · HELENA, MT 59601

Contract Administrator

$6,896

AMERICAN FUNDS3 years

Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI

Service code 64

6455 IRVINE CENTER DRIVE · IRVINE, CA 92618

Recordkeeping Fees

$1,038

SW/QC EMPLOYEE RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SW/QC EMPLOYEE RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion